Daniel La Crosse is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Before joining LPL Financial in 2024, he worked at Howe & Rusling Wealth Management and LVW Advisors LLC. Outside of his advisory role, he serves as a lacrosse referee with the Genesse Valley Lacrosse Officials Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of investment strategies and operational tools.

Arshia Zarei is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and eight years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020, with prior roles at TD Ameritrade and AXA Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Trevor Smith is a financial advisor with Osaic in Pittsford, NY, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Cambridge Investment Research and RFG Advisory, among others. Outside of his advisory work, he owns TD Smith Tax LLC, a tax preparation business. Osaic Wealth serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, complex affiliate network, and private-equity ownership.

Eric Cook is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets since 2013 and City National Bank since 2016. Outside of his advisory role, Mr. Cook serves on the boards of Saint's Place, a charity for refugee families, and Writer's & Books, a literary center. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies implemented through both in-house and third-party managers, supported by RBC’s capital-markets resources and affiliated asset managers.

Joshua Tomko is a CFP® professional with 11 years of experience in the financial services industry. He has been with UBS Financial Services since 2014. Based in Rochester, NY, he holds the Series 66 license. UBS Financial Services Inc. provides brokerage and investment advisory solutions to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management services, offering a range of products including fee-based financial planning, portfolio management, and access to proprietary research.

Philip Welch is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. Welch also serves as a trustee of a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions across a broad platform.

Thomas Janosky is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2015. He employs a goals-based wealth management process, utilizing global resources and web technology to assist clients in pursuing financial lifestyles that align with their personal objectives. His practice specializes in working with successful corporate executives, offering services such as retirement planning, wealth management, financial strategy development, education funding, and portfolio development. Thomas places particular emphasis on retirement income planning, tax minimization, corporate benefits, divorce transition planning, and legacy considerations, often collaborating with clients’ estate planning advisors. Thomas earned a Bachelor of Science degree in Business Administration from Westminster College in 2011 and holds FINRA Series 7 and Series 66 registrations along with the Personal Investment Advisor (PIA) designation. Prior to joining Merrill Lynch, he gained experience as a Customer Service Manager, building strong communication skills that inform his client-focused approach. Thomas is a member of Hope Lutheran Church and contributes to his community as a teacher for the Financial Peace University program. In his personal time, Thomas resides in Henrietta with his wife and engages in activities such as football, golf, and tennis. He is also active at the YMCA and involved with his church community. Prospective clients may contact him via email or phone for customized retirement planning, complex pension analysis, second-opinion consultations, or assistance with 401(k) decisions following employment changes.

James Merkley is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and has been with UBS since 2009. Outside of his advisory work, Merkley serves as co-chairperson of corporate chalets and tents at Oak Hill Country Club, is a member of its Board of Governors, and holds trustee and officer roles with local charitable organizations including the Hillside Children’s Foundation and the Rochester Businessmen’s Charitable Organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning, portfolio management, and access to a broad range of financial products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Andrea Hageman is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 8 years of industry experience. She has been with UBS since 2017 and previously worked with The Arc of Monroe County and Young Entrepreneurs Academy, Inc. Hageman is also a member of the Junior League of Rochester, where she participates in fundraising, volunteering, and event planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Jacob Boyce is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 license and has worked previously at M&T Securities, American Portfolios Advisors, Equitable Advisors, and Merrill. Outside of finance, he has worked as a bartender for North American Breweries. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Theodore Cook is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following a 17-year tenure at U.S. Trust, Bank of America Private Wealth. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers financial plans directly and through Corporate Financial Planning agreements with employers.

Dale Nower is a CFP® with 22 years of experience, currently serving at Ameriprise since 2006 in Rochester, NY. He manages his Ameriprise business through Cadence Associates, LLC, and works as an instructor at Bryant & Stratton College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Kristen Storey is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and three years of industry experience. She has worked with MML Investors Services, LLC since 2022 and MassMutual Life Insurance Co since 2020. Prior to her current roles, she was employed at Maximus Federal Services from 2014 to 2022. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative plans tailored to client goals.

Timothy Meisenzahl is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent time at Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm operates at large scale, managing approximately $671 billion in assets and employing over 14,000 financial advisors, offering both brokerage and advisory solutions.

Kerri Palermo is a CFP® professional with 10 years of industry experience, currently serving at Charles Schwab in Pittsford, NY. Her prior experience includes roles at Ameriprise Financial Services and Northwestern Mutual Wealth Management. She also serves as a board member for the Monroe Community Hospital Foundation, where she assists with fund allocation and fundraising efforts. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering integrated brokerage, custody, and advisory services with a combination of non-discretionary client relationships and access to discretionary separately managed accounts.

Brian Sauers is a financial advisor at Cetera with 12 years of industry experience. He holds the Series 66 designation and has worked with several firms including Avantax Advisory Services and Davie Kaplan Wealth Care Advisors, where he has been involved since 2015. Sauers also serves as a board member of the Rochester Hearing and Speech Center, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform featuring affiliated and third-party managers across various program structures.

Christopher Pipa is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009 and previously worked at Citigroup Global Markets from 2001 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Abigail Alvord is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their Financial Consultants to develop personalized financial plans tailored to individual situations and goals. She utilizes the comprehensive resources available through Fidelity to support clients in achieving their financial objectives. She has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. This experience has provided her with a broad understanding of financial services and client relationship management. Outside of her professional role, Abigail enjoys cooking and baking, spending time with family, engaging in fitness activities, socializing with friends, visiting lakes, and traveling.

Patrick Caufield is a financial advisor at Edward Jones in Penfield, NY, with 11 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Daniel Cusato is a financial advisor at OSAIC with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Lincoln Financial Advisors Corporation, ESL Investment Services, LPL Financial, and ESL Federal Credit Union. Outside his advisory role, he is a notary public and an insurance agent offering disability, annuities, long-term care, and life insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, utilizing various managed account strategies and third-party managers.